Damon Mcknight
How Much Does Healthcare Cost in New Brunswick?
New Brunswick offers universal healthcare to its residents, covering most basic and medically necessary services. However, there are still out-of-pocket expenses for residents, and many services that are not covered by the provincial plan. This leaves residents with unexpected bills that can be financially devastating in the event of an illness or accident.
| Characteristics | Values |
|---|---|
| What is covered by New Brunswick Medicare? | Most medical services provided by a physician in a physician’s office or in a hospital if medically required. Certain dental procedures performed by a dentist when the service is medically required and performed in a hospital (extractions and dental work are not insured when performed in a hospital, however, the anesthesia may be covered in some circumstances). |
| What is not covered by New Brunswick Medicare? | Routine dental services and dentures (e.g. examinations, fillings, cleanings and extractions). Note that medically necessary dental procedures MAY be covered if performed by a dentist in an approved hospital. Prescription drugs and medicines (unless you are covered by one of the specialty drug plans). Examinations at the request of a third party (e.g. for employment, travel purposes, etc.). Acupuncturists, orthodontists, opticians, chiropractors, chiropodists, massage therapists, podiatrists, osteopaths, naturopaths, physiotherapists, pharmacists, psychologists, optometrists and private nursing. Eye glasses, frames, eye examinations and contact lenses. Any cosmetic surgery. Artificial insemination. Durable medical equipment such as walkers, special crutches, and prosthetic devices such as artificial limbs, etc. Removal of minor skin lesions (e.g. warts), UNLESS cancer is suspected as the cause. Services deemed by the province as “experimental” or part of “applied research”. Physician advice or prescriptions renewed by telephone. Dental services provided by a physician. Stomach stapling (gastric stapling or bypass). Immunizations that you can get via Public Health clinics, unless medically necessary and done by a physician. The difference in cost between semi-private/private hospital rooms as compared to the cost of a standard ward. |
| What is covered by the New Brunswick Drug Plan? | Drug coverage for residents who: require assistance paying for their medications, and; meet the eligibility requirements by being in one of the eligibility groups. Valid beneficiary groups are: seniors (age 65 or older), residents of licensed nursing home facilities, social development clients, special needs children, and children who have been placed in the care of the Ministry of Social Development, residents with multiple sclerosis (certain treatment drugs are covered), residents with cystic fibrosis (certain treatment drugs are covered), recipients of a solid organ or bone marrow transplant (certain anti-rejection drugs are covered), certain human growth hormone drugs, drug coverage for residents with HIV/AIDS (must be registered by a New Brunswick infectious disease specialist), adults who are in a licensed, residential facility. |
| What is covered by the New Brunswick Prescription Drug Program (NBPDP)? | Support for those who may not have insurance available elsewhere, those requiring assistance with specialty medications, and seniors aged 65 and older who receive the Federal Guaranteed Income Supplement (GIS). The program covers drugs listed on the New Brunswick drug formulary including drugs for treatment of cystic fibrosis, HIV positive residents, growth hormone products, organ transplant recipients, multiple sclerosis and residents covered under Family & Community Social Services. |
| What is covered by the New Brunswick Drugs for Rare Diseases Plan? | Coverage for some prescription drugs for Manitoba residents who have a specific rare disease. |
| What is covered by the Health Services Vision Program? | Assists those who do not have vision coverage from any other plan and qualify for assisted health care. There is a 30% participation fee on dispensing and diagnostic services, and frames. |
| What is covered by the Health Services Hearing Aid Program? | Aids in covering some of the costs for various hearing aids and repairs for those that qualify. This program has a ‘payer of last resort’ policy and repairs are eligible only after the manufacturer’s warranty expires. |
| What is covered by the Extra-Mural Program (EMP)? | Provides home care services to residents with a valid Medicare card as long as healthcare needs can be met at home. |
| What is covered by the Seniors’ Rehabilitative Equipment Program? | Medical equipment loans for seniors 65 years and older, without charge from the Canadian Red Cross Society. |
| What is covered by New Brunswick Medicare for emergency hospital visits? | Emergency hospital visits (with a daily maximum rate), emergency physician services at New Brunswick rates, and services that you received prior approval for. |
Dental care
Dental Fee Guides:
In Canada, each province has a Dental Association that publishes a Dental Fee Guide, providing guidance to dentists on pricing. These guides are updated annually and serve as a reference for insurance companies in determining reimbursement amounts. The New Brunswick Dental Society publishes the New Brunswick Dental Fee Guide, which is available to the public for a fee of $500.
Dental Insurance:
Most residents in New Brunswick do not qualify for dental coverage through their provincial insurance plan. However, private dental insurance plans are available, such as those offered by Special Benefits Insurance Services (SBIS) in partnership with Green Shield Canada and Manulife Financial. These plans offer varying levels of coverage and protection, including basic services like cleanings, x-rays, fillings, and extractions, as well as more comprehensive and major services like root canals, periodontal treatment, bridges, crowns, and dentures.
Denture Costs:
The cost of dentures in New Brunswick can vary depending on several factors, including the type of dentures, materials used, and the dentist's experience and location. A full set of dentures can range from $1,000 to $5,000, with full dentures typically costing between $1,500 and $3,000, and partial dentures ranging from $1,000 to $2,500. Implant-supported dentures and overdentures are more expensive, usually costing between $3,000 and $5,000, while immediate dentures can range from $2,000 to $4,000.
Dental Tourism:
For those seeking more affordable dental care, dental tourism is an option. By travelling abroad, individuals can save significantly on their dental treatments. For example, dental implants in New Brunswick may cost up to $6,868, while the same procedure in Hungary could be as low as $2,134, resulting in a savings of over $4,000. However, it is important to carefully research and consider factors such as accreditation, clinic reputation, and follow-up care when pursuing dental tourism.
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Vision care
One such service is provided by Dr. Brown & Associates Optometry, which has been serving Southern New Brunswick since 1977. They offer comprehensive eye exams, as well as specialty services like contact lens fittings, myopia control, and dry eye therapy. The team at Dr. Brown & Associates is trusted and well-regarded, known for their caring and compassionate approach. They also provide emergency eye care services, treating a range of eye injuries and conditions, including chemical burns, blunt trauma, and retinal tears.
The New Brunswick Association of Optometrists (NBAO) is another resource for vision care in the province. They represent Doctors of Optometry in New Brunswick and provide information on eye and eyewear-related topics. Optometrists associated with the NBAO utilise advanced technology and best practices to ensure optimal eye health for their patients. Their website offers an online tool to help individuals find a local optometrist.
Vision Therapy Canada is a separate organisation that offers a membership program for optometrists providing in-office vision therapy. This program provides benefits such as office listings, bulk purchase discounts, and access to research articles. While their office is not specifically mentioned to be in New Brunswick, they do offer services to Canadian optometrists.
While specific cost details for vision care in New Brunswick may not be publicly available, it is clear that there are several reputable options for individuals seeking eye care services in the region. The cost of vision care will depend on the specific treatments or services required, and individuals can contact these optometry services directly to obtain quotes and further information.
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Ambulance services
In 2015, the Gallant government announced a reinstatement of the $130 ambulance fee for those without health insurance. This was met with mixed reactions, with some residents expressing disappointment in having to pay extra for a service they expected to be included in universal healthcare. However, the Finance Minister, Roger Melanson, justified the decision by pointing out the issue of non-urgent use of ambulance services, stating that removing the waiver would deter inappropriate use and ensure ambulances are available for emergencies.
It is important to note that the elderly and individuals receiving social assistance are typically exempt from paying the ambulance fee. Additionally, 70% of New Brunswick residents are covered by private health insurance, which may include ambulance services.
Given the potential costs and the possibility of unforeseen emergencies, it is advisable for residents to consider obtaining private health insurance to supplement the coverage provided by the provincial Medicare plan.
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Travel insurance
New Brunswick Medicare only covers limited emergency hospital services when travelling outside Canada. It is strongly advised that travellers obtain additional insurance from private insurers to cover any medical costs incurred during their trip.
Allstate Insurance Canada, in partnership with TuGo®, offers TripMate® Travel Insurance, which includes:
- Up to $10 million in coverage for emergency medical care and treatment.
- 24/7 emergency assistance.
- Ground, air, or sea ambulance and remote evacuation.
- Emergency dental coverage.
- Enhanced coverage, including vision care, hearing aids, and lost/stolen prescriptions.
- Complimentary access to MyFlytTM service, if your flight is delayed by two or more hours.
- Companion discount and family rates.
Blue Cross is another option, as it is Canada's #1 travel insurance provider. They are a member of a trusted global network, including the American Blue Cross & Blue Shield Association and the International Federation of Health Funds.
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Private health insurance
The best private health insurance plan for you will depend on your specific needs and budget. Plans can vary widely in terms of cost and coverage, so it is important to compare different options before choosing one. Some popular private health insurance providers in New Brunswick include GMS, Sun Life, Manulife, Green Shield Canada, Blue Cross, Desjardins, CAA, and Canada Life. These companies offer a range of plans with different levels of coverage, including basic and comprehensive options.
When choosing a private health insurance plan, consider factors such as the type of coverage you need, the insurance provider, your age, gender, health status, and the cost of the plan. Basic health insurance plans in New Brunswick typically start at around $50 to $100 per month for an individual, while more comprehensive plans can range from $100 to $300 or more per month. Family coverage will also be more expensive.
It is worth noting that to have a private health insurance plan in New Brunswick, you must first be enrolled in the provincial health plan, NB Medicare. Private health insurance is not a substitute but rather a supplement to provincial healthcare. Therefore, it is important to understand what is and isn't covered by NB Medicare when considering private health insurance options.
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Frequently asked questions
The cost of healthcare in New Brunswick varies depending on several factors, including age, gender, health status, and the type of coverage. Basic health insurance plans start at around $50 to $100 per month, while more comprehensive plans can range from $100 to $300 or more per month.
New Brunswick Medicare covers most medically necessary hospital and physician services. This includes standard hospital accommodation and meals, nursing services, drugs administered in the hospital, diagnostic services, therapies such as physiotherapy and speech therapy, and more. However, it's important to note that not all services are covered, and residents may need to pay out of pocket or rely on private health insurance for certain treatments.
There are several health insurance providers in New Brunswick, each offering different plans and coverage options. Some popular options include GMS, Sun Life, Manulife, Green Shield Canada, Blue Cross, Desjardins, CAA, and Canada Life. These companies offer varying levels of coverage, add-ons, and premiums, so it's essential to compare plans and choose the one that best suits your needs and budget.
